Errors & Omissions Insurance

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Errors & Omissions Insurance

Even when professionals such as doctors, lawyers, or accountants perform their duties with the utmost care, they can still make mistakes. When an error in judgment or the misapplication of a service negatively impacts others, these professionals can be held legally liable for their actions. If the outcome of a lawsuit or settlement goes against them, they risk losing their assets and possibly their livelihood.

E&O insurance is essential coverage to protect a service business if a client holds the business responsible for a service that didn’t turn out as expected. This coverage provides peace of mind for the insureds and clients knowing there will be consideration and possible compensation if an error is made.


Prime can create a custom-tailored E&O liability insurance program consisting of various combinations of the following coverages:

  • Alleged Assault and Battery Liability: This insurance protects the insured against allegations of threats to an individual’s safety (assault) or physical conflicts (battery) involving the policyholder and individuals receiving a service.
  • Alleged Sexual Abuse and Molestation Liability: This plan offers coverage for allegations of sexually inappropriate behavior committed by the insured.
  • Customized Specialty Liability Coverage: This type of insurance offers protection for specific liability issues that impact policyholders and their business operations.
  • Wrongful Acts: This coverage applies to a broad range of negligent acts, errors, or omissions that occur while rendering professional services.

E&O Insurance From Prime Reduces Your Clients’ Risk

Prime Insurance Company offers custom errors and omissions insurance plans that provide an all-in-one coverage solution for your clients. We provide protection where the standard market falls short. We take on individuals and businesses that have been canceled, nonrenewed, or rejected elsewhere. We can even cover gaps and exclusions in existing policies that increase the insured’s exposure. Policyholders can select the coverage types and limits that best apply to their unique situation.

Who Should Carry E&O Insurance?

Anyone who administers professional services to others should have an adequate amount of E&O liability coverage. Besides doctors, attorneys, and accountants, this insurance can protect architects, insurance agents and brokers, engineers, wedding planners, web hosting companies, photography studios, and many other individuals and business entities.

Our Partnership Approach Makes a Meaningful Difference

At Prime, we understand the importance of choosing an E&O Liability insurance plan that minimizes the policyholder’s exposure. We partner with producers and their clients to develop and implement programs that work now and into the future. As an agent or producer, you can feel more confident that the coverage you’re providing is serving your clients’ best interests.

Budget-Friendly Premium Financing Options

As an insurance agent or broker, you know all too well that high-risk coverage like E&O insurance is more expensive than the plans available in the standard market. We can offer financing that makes premiums more affordable for the policyholder. Our affiliate, Greenlight Premium Finance, can provide various options that meet each client’s unique needs. You won’t have to turn down business because the cost is too high.

Excellent Service Every Step of the Way

We do our best to make it easier to obtain essential errors and omissions insurance. With our flexible in-house underwriting, we can typically offer multiple solutions for each applicant to ensure the best coverage. You can then make a more informed recommendation to your client.

Policyholders can also expect superior service when filing a claim. We offer access to a 24/7 hotline to facilitate reporting. Once we receive the necessary information, we’ll work hard to expedite the process and reach a fast, fair settlement. If a lawsuit occurs, we’ll provide aggressive legal representation.

Risk Mitigation Services Are Also Available

As a professional insurance producer, you strive to serve as a trusted adviser to your clients. Prime offers expert risk mitigation services that can help policyholders find ways to reduce their exposure and ultimately lower their insurance costs. You can boost your status and bolster your client retention efforts by recommending these solutions.

A Financially Stable E&O Insurance Provider

Prime has earned an “A” (Excellent) rating from AM Best, a leading global credit rating agency for the insurance industry.

Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc. The most current Financial Stability Rating® must be verified by visiting We have the resources to handle claims and meet all our other financial obligations.

Our rock-solid financial status means we can cover our claims and continue to meet our policyholders’ needs. When you work with us, you’ll know that you’re partnering with a reliable company that will be there when your clients need it most.

What to Submit

We’ve made the process of applying for E&O insurance as fast and seamless as possible:

  • Complete the General Application. Be sure to specify the limits requested
  • A schedule of activities to be insured
  • # of Employees
  • Claims History

Once we’ve received the information, we’ll set up a convenient phone call to discuss the risk in more detail. We’ll then issue a prompt quote.

Give us a call at 800-257-5590 or contact us online to learn more about E&O liability coverage.

Get a Quote!